Judgments

[Ghulam]

Thank you Sir. i have been reading your posts for a while. Great stuff. I am a little confused...I have a judgment that has already been paid off, settled. Even though I got a 'paid' letter I did not get a 'delete' letter.
Now according to your post. I write to the CRA and ask them to verify the account. Do i have to send certified mail ?

Than if they verify, I send the Clerk of the Court a "provide me the procedures used by you ..." letter ?

...and if I get a B.S response I write to them again saying that please "...provide me the PROCEDURES...". ?

Shall i mention that "if you can not provide me with the procedures please delete this account" ? I mean how else will they even think of deleting it?

Finally the collection agency that send it to judgment- shall I send them a letter of goodwill to remove as well since that account also shows (shows as paid but it still shows on the report)?

I have spend some years and finally i feel my credit is back on track except for this PAID judgment.

Sorry for the list of questions but I would really like answer. thanks

Just so you know. The original account is like 5 years old and I settled it in Oct 2009. 7 years SOL.

[Ghulam]

Plus I do know that I should not really send a CRA certified mail...it might "piss them off". I did read that in one of your posts. I do not want you to think that I am asking you any and every obvious question, Thx and enough of my posts already - lol

[chane]

Yes, you dispute it with the CRAs. If it comes back verified, you contact then court and politely ask them how they verified it with the CRA.

They will tell you they didn't verify it with the CRA. You send a copy of that letter back to the CRA demanding that they delete it immediately.

[Ghulam]

Chane: Thank you very much:

Here is a letter that I have put together that I will hand write. I kept it simple (maybe too simple). i will mail it to Experian, Transunion and Equifax. Is it ok? please tear it apart if you have to. i know there are no guarantees but i want to do it right.


From: name
SS#: *** ** ****
Subject: Verification or removal of Judgment from my Credit report.

Type: Judgment Status: Paid Satisfied Date Filed/Reported: 01/08/2007 How Filed: Joint Unknown Reference #: 006000***81 DC014***006 14681 Closing Date: 12/01/2009

Please can you verify the above item with the City & County Government or remove it immediately please. This item is having a negative impact on my credit report. I understand that by law I should get a verification within 30 days or it must be removed.
I have provided you will all the information that is needed to investigate this matter and no other additional information should be required.
Thank you and looking forward to your response.

Yours Sincerely:

XXXX

[chane]

It's fine, but you don't have to say "Please can you verify the above item with the City & County Government or remove it immediately please."

You can just say, "Please remove the inaccurate information." But, either will work.

[Ghulam]

Thank you very much. You are the best.

[Ghulam]

Originally Posted by chane

It's fine, but you don't have to say "Please can you verify the above item with the City & County Government or remove it immediately please."

You can just say, "Please remove the inaccurate information." But, either will work.

I know you already answered this question . Please: Does this technique 'work' the same for all state or some states it just would not work? thx

[chane]

Originally Posted by Ghulam

I know you already answered this question . Please: Does this technique 'work' the same for all state or some states it just would not work? thx

I'm assuming it would work in every state, but I don't know every state's policies.

[bozzscaggz]

So what your saying basically is CRA HAVE TO verify the judgement with the court system? If they do not verify it with the court and the CRA get the information from some 3rd party Public Records search company than it is void and the CRA must remove it?